Eligibility
Who qualifies to build with us
Woolong Capital is designed for investors who are serious about structure. We lend to companies, trusts and SMSFs — the vehicles built to hold, protect and pass on wealth. Individuals cannot borrow. This is intentional.
Eligible Entity Types
Company (Pty Ltd / Pte Ltd)
Australian or Singaporean company. ACN (AU) or UEN (SG) required. Personal guarantees from all directors.
VALID ACN OR UENALL DIRECTORS AS GUARANTORSCOMPANY CONSTITUTIONGOOD STANDING
Discretionary (Family) Trust
Trustee company or individual trustees borrowing in trustee capacity.
VALID TRUST DEEDALL TRUSTEES AS GUARANTORSCORPORATE TRUSTEE PREFERREDABN OR UEN IN TRUST NAME
Unit Trust
Unit trust via trustee entity.
UNIT TRUST DEEDALL TRUSTEES AS GUARANTORSUNIT REGISTERABN OR UEN IN TRUST NAME
SMSF via LRBA
Self-managed super fund using a limited recourse borrowing arrangement.
SMSF TRUST DEEDBARE TRUST DEED REQUIREDALL TRUSTEES AS GUARANTORSSMSF ADVISOR CONFIRMATIONATO ARM'S LENGTH DOCS
Minimum Requirements
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Registered entity
Must be an Australian or Singaporean registered company or trust. Foreign entities assessed on application.
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Eligible purpose
Finance must be for investment purposes only
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Approved asset
Property must be managed by a Woolong-approved operator
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Land lease accepted
Woolong is comfortable with land lease (leasehold) arrangements — no freehold required
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Risk score ≥ 20
Minimum 20/100 on Woolong's risk model
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Personal guarantees
All directors / trustees must provide personal guarantees
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ILA certificates
Independent legal advice mandatory for all guarantors
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Entity is borrower
No individual borrowing under any circumstances
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Property insurance
Borrower must hold building/contents insurance naming Woolong Capital as an interested party
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Income protection
All individual guarantors must hold income protection insurance (evidence required at settlement)
Not eligible
× Individual / personal borrowers
× Sole traders in personal capacity
× Entities under external administration or subject to insolvency proceedings
× Borrowing for personal / consumer purposes